Relationship Package

Get the most value for your membership when you combine a Relationship Checking and a Relationship Max Account. Maximize the power of both your loans and deposits and start to earn more for your money.

Enjoy Better Rates

Earn higher dividends on your deposits.

Earn Rewards for Loans

Receive an additional bonus for qualifying loan balances.

Consolidate Accounts

Manage both deposit & loan accounts in one place.

Relationship Checking

Get rewarded for your deposit and loan relationships with us. Earn a regular dividend on your Relationship Checking1 balance plus receive an additional Relationship Bonus if you have a qualifying loan balance.

Relationship Max Share

Maximize your earning power with our highest yield savings account for larger balances. Relationship MAX2 Share rewards members with higher dividends, making this one of the best savings accounts in town. Designed to complement our Relationship Checking, saving money has never been more rewarding.

** The Investment Share Account, Relationship Max Share and the Relationship Checking Account are tiered rate accounts. To determine the APY that will apply to your account, refer to the appropriate tier that applies to your account average daily balance for the month. When a particular average daily balance range is met, the APY will apply to the full balance in that account.

*** The Annual Percentage Yield (APY) may change after the account is opened. APYs are effective as of 5/1/2019, and may change at any time without notice. Fees may reduce earnings.

** Relationship Max Share is a tiered rate account. To determine the APY that will apply to your account, refer to the appropriate tier that applies to your account balance for that day. When a particular daily balance is met, the APY will apply to the full balance in that account.

*** The Annual Percentage Yield (APY) may change after the account is opened. APYs are effective as of 5/1/2019, and may change at any time without notice. Fees may reduce earnings.

Balance

$0 - $24,999.99

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY**

None

APY***

0.05%

Balance

$25,000 - $49,999.99

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY**

$25,000

APY***

0.10%

Balance

$50,000 - $99,999.99

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY**

$50,000

APY***

1.50%

Balance

$100,000 - $249,999.99

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY**

$100,000

APY***

1.50%

Balance

$250,000 - $499,999.99

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY**

$250,000

APY***

1.50%

Balance

$500,000 or greater

Min. Opening Deposit

$2,500

Min. Daily Balance to Earn APY**

$500,000

APY***

1.50%

Calculators to help you save and spend smart

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1. The monthly service fee for the Relationship Checking Account is not charged if the primary member has a $25,000 combined balance at the Credit Union. The combined balance is calculated by adding the primary member’s average daily balances during the month for all consumer savings, checking and term share accounts, and the balances at the end of the month for all consumer loans, lines-of-credit, home equity lines of credit (HELOCs) and credit cards in good standing. Accounts must remain open at the end of the month to be included. Mortgages, business accounts and business loans are excluded. The Credit Union may determine the credit card balance on a date prior to the end of the month.

2. The Relationship Max Annual Percentage Yield (APY) on daily balances of $50,000 or more is 1.50%. For daily balances between $0 and $24,999, the APY is 0.05%; for daily balances between $25,000 and $49,999, the APY is 0.10%. When a particular daily balance range is met, the rate will apply to the full balance in the account. Other accounts and terms are available. For example, our Regular Share account has an APY of 0.25% for all balances. Contact us to help determine which account may be best for you. APYs are current as of 5/1/2019 and may change at any time. Relationship Checking is required for Relationship Max. Minimum to open a Relationship Max account is $2,500. Certain terms and conditions apply. Must be a Hawaii resident. Membership in the Credit Union is required.

NMLS Number

Routing Number

NMLS Number

We may provide links to external websites that refer to third party services and products available to Hawaii State FCU members. Please review the terms and conditions of use carefully. Such services and products are not obligations of, nor endorsed or guaranteed by, Hawaii State FCU nor the National Credit Union Share Insurance Fund. We do not make any express or implied representation or warranty to you concerning the quality, safety or suitability of external websites, or their services or products. Alternative services and products may be obtained from other providers of your choice. External websites are not under our control and may have different policies and security. Using the links may identify you as a Hawaii State FCU member to the external website operator.